Start using your new account

On your agreed switch date your new account will be ready to use and your old account will be closed. Your new bank will have transferred all of your regular incoming payments (such as your salary or benefits) and outgoing payments (such as Direct Debits, standing orders, future dated payments and bill payments) to your new account, along with any remaining credit balance. Your saved Payee details will also be transferred over. Note: future dated payments set up within 7 working days of your switch date cannot be transferred across to your new account.

Need to knows

1. Check you're able to switch

The Current Account Switch Service covers 99% of UK current accounts. The process is the same everywhere so you can feel confident when you switch, no matter which participating bank or building society you choose.

HOWEVER YOU CAN'T SWITCH WITH:

A joint account without the permission of both parties

Saving accounts

ISAs

Non-sterling payment accounts.

2. Check you're eligible

Common eligibility examples include having a minimum number of Direct Debits, and a set amount entering the account each month. You'll also need to agree any overdraft facilities you require with them before initiating the switch (subject to eligibility status).

Just in case if anything has gone wrong

In the unlikely event that anything goes wrong, your new bank or building society guarantees to refund any interest and charges you incur as a result of a delayed or incorrect switch. It's all part of the Current Account Switch Guarantee.

Back to Results

Digital Bank Rating

{{sliderProduct.name}}

MoneySuperMarket

No Rating

({{sliderProduct.null}})

This score is made up of the combination of the digital services a bank offers.

We’ve included:

Online and app banking capabilities

the quality of their online security

and open banking

Take a look at the chart below to see what each bank can offer you

Barclays

First direct

M&S

NatWest

RBS

Santander

HSBC

Via the website you can:

View balances and statements

Pay bills

Setup Direct Debits

Manage Direct Debits

Cancel Direct Debits

Setup Standing Orders

Manage Standing Orders

Cancel Standing Orders

View all your accounts in one place (one login to see savings/current accounts)

Send and receive secure messages with bank

Set up payments within the UK or overseas

Report lost or stolen cards

Freeze lost/stolen card facility

Cancel lost/stolen card facility

Setup text message alerts

Open Banking facilities

Request paper copies of statements

Print/Download statements

Move money between accounts

Pay people / Transfer money

Via the digital banking App you can:

View balances and statements

Pay bills

Setup Direct Debits

Manage Direct Debits

Cancel Direct Debits

Setup Standing Orders

Manage Standing Orders

Cancel Standing Orders

View all your accounts in one place (one login to see savings/current accounts)

Send and receive secure messages with bank

Set up payments within the UK or overseas

Report lost or stolen cards

Freeze lost/stolen card facility

Cancel lost/stolen card facility

Setup text message alerts

Open Banking facilities

Request paper copies of statements

Print/Download statements

Move money between accounts

Pay people / Transfer money

Login - Fingerprint / Facial recognition

Digital cheque deposit

Apple Pay

Paym

Google Pay

Samsung Pay

Via the website you can:

View balances and statements

Pay bills

Setup Direct Debits

Manage Direct Debits

Cancel Direct Debits

Setup Standing Orders

Manage Standing Orders

Cancel Standing Orders

View all your accounts in one place (one login to see savings/current accounts)

Send and receive secure messages with bank

Set up payments within the UK or overseas

Report lost or stolen cards

Freeze lost/stolen card facility

Cancel lost/stolen card facility

Setup text message alerts

Open Banking facilities

Request paper copies of statements

Print/Download statements

Move money between accounts

Pay people / Transfer money

Via the digital banking App you can:

View balances and statements

Pay bills

Setup Direct Debits

Manage Direct Debits

Cancel Direct Debits

Setup Standing Orders

Manage Standing Orders

Cancel Standing Orders

View all your accounts in one place (one login to see savings/current accounts)

There’s a huge choice of current accounts available, so you'll want to pick the one that meets your needs best.

Online banking

Forget queues, paperwork and limited weekend opening hours – online banking does away with all of it, providing free and secure access to your bank accounts around the clock.

Whether you just want to check your balances, make a payment to someone or transfer money between accounts, you can do it all with just a few clicks at your own convenience.

It’s not surprising then that online banking has taken off in a big way. According to the Payments Council, more than 26 million people in the UK now use internet banking.

While banks and security companies have developed robust and sophisticated security practices, unfortunately there are still unscrupulous folk out there working just as hard to circumvent them – so you still need to be on your guard.

Benefits of online banking

Many of us are in work during weekdays, which means a trip to the bank involves either a rushed lunch after wasting our lunch breaks in a bank queue or spending our Saturday mornings in our local branch.

Thanks to internet banking, many of the simple tasks we used to have to go to the bank for can now be done at home using a computer. You can transfer cash to another account yourself, or check your transaction history on screen rather than having to queue up for a print-out.

In terms of security, we used to have to wait for our monthly statement to come in the post before we could spot any inaccuracies or suspicious activity on our accounts. With an online bank account, we can monitor them in (almost) real-time.

Also, most online banks allow you to search your transaction history, which is extremely useful if you run into a dispute over an allegedly unpaid bill because you’ll be able to prove it one way or another.

Some even have instant messaging services which allow you to chat with an advisor and get answers to your questions.

There are, in fact, very few things you can do in a physical branch that you can’t do with an internet bank account.

Banking safely

The banks do everything they can on their end to make sure you’re banking safely, but you need to do your part too.

As best practice, never follow a link to your bank from an email, as the email could be a ‘phishing’ scam. Instead type the web address directly into the address bar or use a search engine to find it.

If you are using a search engine, be sure to check the site you click through to has the correct URL and is definitely your bank. Cyber criminals sometimes create extremely convincing ‘spoof’ sites to get your log-in details. One thing they can’t fake, however, is the URL – so check it’s exactly right.

Once on the site, make sure there is a padlock symbol in the browser’s address bar indicating the page is secure. A padlock on the web page isn’t enough because that can easily be faked – instead look to the left or right of the web address.

Once you’re logged in, the web address should change from beginning with “http” to “https”, indicating a secure connection.

If your bank offers additional security software, such as NatWest’s Rapport, use it alongside your computer’s own security software for added protection.

If you do notice any unusual or inexplicable transactions in your online statement, contact your bank directly by phone and query or report it.